This home is in Jacksonville.

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Active·156 days on market

4232 Hillwood Road

Jacksonville, FL 32223

$1,467,750Est. $7,484/moMLS# 2131144

Beds

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Garage

Pool

About this home

Jacksonville

RARE 4.8 ACRE WATERFRONT OPPORTUNITY ON JULINGTON CREEK! Your chance to create the 'waterfront forever home' is here. Imagine custom building your perfect sanctuary on this extraordinary 4.84-acre combined estate at 4242 & 4232 Hillwood Rd. in Mandarin with waterway access to Julington Creek and the St Johns River. Or custom build a primary home with a guest home - the possibilities are endless. The estate includes 2 combined waterfront lots, one including a single family home, one vacant lot, a private canal, 2 docks, boat lift, and gazebo. This rare find offers the ultimate canvas to bring your vision to life. Fishing enthusiasts will find great value in the main dock, boat lift, and ramp with water and electric. A scenic 700-foot path winds through the estate, leading to a second dock, charming gazebo equipped with fish-cleaning stations, water, and electric-perfect for avid anglers or watch the serene sunsets. Also included is a double jet ski ramp for endless aquatic adventures.

Cost to own

Mortgage calculator

Home Price

$1,467,750

Down Payment: 20%

$293,550

Interest Rate: 6.58%

Loan Term

Monthly Payment

$7,484

Principal & Interest: $7,484

Property taxes (est.): $2,397

Insurance (est.): $979

Estimated Total Monthly

$10,859

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.58% · 30yr$7,484

Property taxesest. at asking price, Duval County$2,397

Estimated total, before insurance$9,880/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,774/yr · $398/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$285,800	$259,820	—
2024	$236,200	$236,200	▲ $12,400
2023	$223,800	$223,800	—
2022	$223,800	$205,260	—
2021	$186,600	$186,600	—
2020	$186,600	$186,600	—

2025 property taxes (current owner): $4,774/yr

Estimated taxes if purchased at asking price: ~$28,800/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 3,305 current Duval listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,391 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History